This is the place to go if you are looking to get nickeled and dimed. I don't think I have been to a bank with a worse fee structure. Everything has a fee. We have quite a few accounts (4 to be exact) and a number of people we initially referred there. The only reason I have given the bank a 2 (vs a 1) is because the staff are friendly. There is no authority to waive fees. Expertise on accounts is average, but it all comes back to the partnership model. These accounts have actually cost us money in terms of value. There are A LOT better banks out there for you to get the most value from a bank. Do your research before you look into opening accounts at Busey! Business account structure and fees are extremely high, with personal accounts a little better.